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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Lenders in Medford
Updated February 5, 2026
Market Overview
34
Total Lenders
1,938
Total Loans
0.26%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ROGUE CREDIT UNION | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,747 | -0.221% | 233 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,179 | +0.098% | 37 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,872 | +0.175% | 195 | |
4 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $4,486 | +0.453% | 42 | |
5 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,980 | +0.325% | 212 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,523 | +0.176% | 139 | |
7 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,593 | +0.139% | 88 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,690 | +0.347% | 35 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $3,774 | +0.264% | 25 | |
10 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,931 | +0.436% | 111 | |
11 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,973 | +0.483% | 108 | |
12 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,928 | +0.411% | 71 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,298 | +0.178% | 35 | |
14 | MORTGAGE EXPRESS, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,424 | +0.360% | 55 | |
15 | Umpqua Bank | Strong | Acceptable | Strong | Strong | Strong | $1,879 | +0.400% | 34 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $5,749 | +0.437% | 29 | |
17 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,177 | +0.420% | 24 | |
18 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,608 | +0.345% | 21 | |
19 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $3,362 | -0.240% | 21 | |
20 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,602 | +0.471% | 16 | |
21 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,797 | +0.359% | 13 | |
22 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Strong | $5,849 | +0.476% | 75 | |
23 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Strong | Sound | $4,632 | +0.362% | 24 | |
24 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,027 | +0.426% | 23 | |
25 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,802 | +0.516% | 13 | |
26 | Willamette Valley Bank | Sound | Mediocre | Strong | Strong | Strong | $5,831 | +0.312% | 82 | |
27 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $5,781 | +0.669% | 15 | |
28 | Banner Bank | Sound | Acceptable | Strong | Sound | Sound | $2,742 | -0.007% | 10 | |
29 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | Sound | $6,652 | +0.316% | 11 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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